Can social security be refunded?

Social security is generally not refundable, but can be refunded in some cases, as follows:

(1) Non-local rural hukou: You can apply for a refund of the individual contribution after leaving your job, but the unit contribution cannot be refunded.

(2) Urban hukou can't be surrendered halfway. Only those who die, go abroad to settle down, or pay less than 15 years at the statutory retirement age can be surrendered; But only the individual part can be returned, not the unit part.

(3) If you bear the social security expenses in full, you can only refund one-third of the money, and the remaining two-thirds will be paid by the unit and cannot be refunded.

(4) The housing accumulation fund in the five insurances and one fund can be fully refunded, that is, both you and the company can be refunded.

Consequences of interrupting social security

Let's talk about medical insurance first. Women have sexual intercourse for 20 years and men have sexual intercourse for 25 years. Only when they retire can they enjoy life. Medical insurance has a buffer period of 3 months from the date of suspension of payment. Over this period, recalculate the continuous payment period. In addition, medical insurance can generally be interrupted three times, otherwise the payment period will be accumulated again. Do not enjoy all medical insurance benefits such as medical reimbursement during the interruption period.

Old-age insurance, according to the Interim Measures for the Management of Individual Accounts of Employees' Basic Old-age Insurance, you can enjoy life-long retirement after the payment of old-age insurance reaches 15 years. Generally speaking, this 15 year is calculated cumulatively. If it is broken halfway, it will be fine to continue, but the retirement benefits will be affected.

Unemployment and maternity insurance, as long as it is paid one year before use, industrial injury insurance will be paid immediately.

In addition, in many first-tier cities, many policies are linked to the payment period of social security. For example, if a foreign hukou wants to buy a house in Beijing, it must pay social security for five years in a row; If you want to get a license plate, you have to pay five years; Children have to go to school? It has to be paid for a year. Want to buy a house in Shenzhen? Pay it for three years first. As long as you are interrupted 1 day, everything will start again.

Social security payment will affect retirement benefits. Take the old-age insurance as an example, although you can enjoy retirement benefits as long as you pay 15 years, the quality of benefits will be discounted. According to the regulations, the fixed number of years of 15 is only a prerequisite for employees to receive basic old-age insurance after retirement. If the payment is interrupted for several years, the proportion of basic old-age insurance will be reduced by several percentage points, and the benefits enjoyed after retirement will naturally decline.

Remind everyone that surrender will have a great impact on daily life, such as seeing a doctor and buying a house. Social security retirement will have advantages and disadvantages.

legal ground

Social insurance law

Article 14 Individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.

Seventeenth individuals who participate in the basic old-age insurance, due to illness or non-work-related death, their survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.

People's Republic of China (PRC) social insurance law

Article 64

Social insurance funds include basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country. The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it. The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.

If the new rural cooperative medical system can cancel an individual, I will carry a copy of my ID card and a certificate issued by my company or unit to participate in urban residents' medical insurance or employees' medical insurance (with official seal), and carry the cooperative medical certificate, household registration book and personal ID card to the county new rural cooperative medical system agency for cancellation. The new rural cooperative medical system agency will issue a cancellation certificate, and the unit will handle employees' medical insurance with this certificate.